Suchergebnisse

The primary aim of our research was to examine the moderating role of prevention focus (PRE) and the mediating role of risk perception (RP) on the relationship between driving accident history (DAH) and insurance coverage (IC) decisions to test this moderated mediation mechanism. We collected survey data from 808 newly eligible voluntary automobile liability insurance policyholders in Taiwan and analyzed the data using PROCESS macro. The estimated results showed that PRE moderated the indirect effect of DAH on IC through RP. In general, a worse DAH would increase the RP of people who were high prevention-focused, thereby increasing their willingness to purchase a higher IC. Conversely, a worse DAH would not increase the RP of people who were low prevention-focused, and such people would not increase or would even decrease their IC. The results provide an explanation for the inconsistent paths from DAH to IC in the literature. From a marketing perspective of psychographic segmentation, our research helps insurance companies to determine what types of consumers they should pay more attention to and to formulate marketing strategies. JEL: D91 G52 E21

Insurance profits in non-life insurance markets display a large fluctuation that may make it hard for insurance companies to control their operating volatility. By taking into account asymmetries in dynamics of insurance profits, this paper provides empirical evidence of the visualised cycles in insurance markets and relevant underwriting strategies of insurance companies. The results hint at the possible existence of overconfidence in underwriting activities when the underwriting result turns bad. Compared with the whole insurance industry, insurance companies engage more speculative behaviour in underwriting activities on the general liability insurance. For regulation purposes, the government should maintain more disciplined underwriting policies of insurance companies in different insurance lines in order to avoid irrational pricing strategies and improve the economic efficiency of insurance supply.

We developed and examined a theoretical model to explain the key factors influencing Chinese customers' purchasing intention of online life insurance. The proposed theoretical model incorporated the unified theory of acceptance and use of technology (UTAUT) with 2 external factors:
online trust and perceived risk. SmartPLS 2.0 was used to analyze the data collected from field survey questionnaires (N = 315). The results showed that customers' online life insurance purchasing intention was significantly impacted by performance expectancy, effort expectancy, and
social influence. In addition, online trust acted as both a direct antecedent of purchasing intention and an indirect antecedent through perceived risk. These findings offer Chinese insurers some guidelines for designing and marketing through this channel to increase their sales.

Purpose
This study aims to investigate the impact of theory of planned behavior (namely, attitude, subjective norm and perceived behavioral control) on recycling intention, as well as the relationship between recycling intention and behavior in one of the top five universities in Malaysia. In addition, the mediation effect of recycling intention on the relationships is investigated.


Design/methodology/approach
A total of 180 responses were collected using online survey that distributed via Google Form. SmartPLS was used for data analysis via outer and inner model assessment. The assessments include construct reliability, validity and hypotheses testing.


Findings
The findings indicated that attitude, subjective norm and perceived behavioral control have a positive and significant relationship with students' recycling intention. Besides, students' recycling intention is positively related to actual recycling behavior. Additionally, this study also discovered that recycling intention mediates the relationship between attitude and recycling behavior, between subjective norm and recycling behavior, as well as between perceived behavioral control and recycling behavior.


Practical implications
The result of the study may serve as a guide for universities or higher education institutions to design effective recycling campaigns to promote the campus sustainability.


Originality/value
Universities are in a crucial position to make a huge impact when they recycle. In Malaysia, there is still a lack of high concern of universities toward green and sustainability concept. This paper fulfils the gap to study how recycling behavior can be enabled.

This article focuses on the interaction between China's industrial agglomeration, foreign direct investment (FDI) and environmental pollution of public health in the past 15 years. By conducting theoretical and empirical research, we try to reveal the relationship and mechanism between the economic growth and public health from the perspective of environmental pollution. By constructing an embedded theoretical model of industrial agglomeration and FDI, this article combines other environmental pollution influencing factors, expounds the impact mechanism of industrial agglomeration on environmental pollution. Based on the provincial-level panel data of China on environmental pollution and industrial agglomeration, the empirical test is carried out through the threshold panel regression model. According to the results, industrial agglomeration can significantly rectify the regional environmental pollution, thereby benefiting public health. FDI has a phased impact on the relationship between industrial agglomeration and environmental pollution. Specifically, when the level of FDI is low, the positive improvement effect of industrial agglomeration on environmental pollution is relatively strong. This is mainly because industrial agglomeration can promote economic growth, technological progress, and enhance environmental awareness. When the level of FDI exceeds the first threshold and continues to rise, the positive improvement effect of industrial agglomeration is maximized. Before the level of FDI exceeds the second threshold, this effect gradually weakens. The population concentration and excessive expansion of city scale brought about by industrial agglomeration will lead to the increase of regional resource and energy consumption, thus aggravating environmental pollution. The policy implication is that while the government and enterprises are vigorously increasing the level of foreign investment, they must pay equal attention to economic growth and public health, and the level of industrial agglomeration should ...